Safeguard Your Orchards Income
Helping to protect Your Crops with Hail Insurance
Overview
As unpredictable weather becomes more common, this protection provides stability and confidence for your business. With our specialist knowledge of the fruit-growing industry and relationships with experienced underwriters, Brown & Brown offers practical, effective insurance solutions that help safeguard your livelihood from nature’s extremes.
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How We Can Help
Hail can be one of the most financially damaging risks to fruit growers, causing severe losses in both yield and quality. At Brown & Brown, we have developed a dedicated Hail Insurance policy tailored to the specific needs of commercial orchards and fruit farms. Our policy can compensate for the reduction in the market value of fruit affected by hail, ensuring your business remains financially resilient even after a destructive storm.
We understand that growers must continue to maintain and harvest damaged crops to protect tree health and prepare for the following season, even when returns have been significantly reduced. Our solutions are designed with this reality in mind, aiming to offset income losses and safeguard the long-term sustainability of your operation.
Working with leading agricultural insurers, Brown & Brown arranges flexible insurance solutions that can be adapted for different fruit types, growing regions and production scales. We make the process simple and transparent – from assessing your exposure to arranging cover and handling claims efficiently when adverse weather strikes.
Our rural insurance specialists have a deep understanding of fruit farming, ensuring that your policy aligns with your business model, packhouse requirements and buyer standards. With our specialised and dedicated service, you can face the growing season with greater peace of mind, knowing your livelihood is protected against unpredictable and extreme weather.
Solutions at
Every Stage
Let’s Find the Right Fit Together
Every situation is different, and your insurance should reflect that. Let’s connect and talk through options built with you in mind.
Why Choose Us
Tailored Solutions
Trusted Advisors
Exceptional Service
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Your Questions, Answered
Hail insurance can cover a wide range of fruit crops, including apples, pears, cherries, plums and soft fruits. Solutions are tailored to reflect the specific risks and values associated with each crop type, orchard layout and growing region. Whether you are an established grower or managing a developing orchard, Brown & Brown ensures the cover matches your production cycle and market exposure. By protecting the financial value of your fruit against hail damage, we help maintain stability and confidence in your business, even when weather conditions threaten to disrupt an otherwise successful harvest.
A hail insurance policy provides compensation for the depreciation in the value of your crop following a hail event. If hail damages the fruit to the extent that it no longer meets quality or grading standards, you will receive a payment reflecting the reduced market value. This enables you to cover ongoing production costs and sustain your operation despite the loss. Our experienced rural team guides you through every step – from initial assessment to claim handling – ensuring the process is efficient, transparent and supportive during a challenging time.
Yes. Every fruit farm is unique, with different crops, orchard sizes and exposure levels. Hail insurance can be flexible and can be adapted to suit local growing conditions and regional weather risks. Our rural insurance specialists take time to understand your business and find a solution that fits your crop varieties, harvest timings and commercial arrangements.
Absolutely. Even small-scale growers can face devastating financial losses from a single hailstorm. Hail damage can reduce the saleability of fruit overnight, while production and harvesting costs remain largely unchanged. Our hail insurance solutions can present essential protection, helping smaller growers recover quickly and continue operations without severe financial strain. Policies can be scaled to suit smaller orchard areas and specific risk profiles, making cover affordable and practical. Our rural insurance specialists ensure that every grower, regardless of size, receives the same attentive service and guidance when protecting their crops from unpredictable weather.